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Live and historical Aave rates
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USDC
USDC token icon USDC
USD Coin
Market
Protocol
aave icon Aave
Supply APR
Current interest rate being earned by depositors
4.03%
Borrow APR
Current interest rate being paid by borrowers
4.93%
Supplied ($)
Total value currently deposited in USD terms
$4.52B
Borrowed ($)
Total value currently borrowed in USD terms
$4.10B
Oracle price
Asset price from market oracle
$1
Supplied
4.52B USDC
Borrowed
4.10B USDC
Get 4+ years of historical data on Aavescan Pro
Line chart showing historical data for USDC on Ethereum V3 Line chart showing historical data for USDC on Ethereum V3
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Borrow APR chevron down
Line chart showing Borrow APR for USDC on Ethereum V3 Line chart showing Borrow APR for USDC on Ethereum V3
Supply APR chevron down
Line chart showing Supply APR for USDC on Ethereum V3 Line chart showing Supply APR for USDC on Ethereum V3
Supplied ($) chevron down
Line chart showing Supplied ($) for USDC on Ethereum V3 Line chart showing Supplied ($) for USDC on Ethereum V3
Borrowed ($) chevron down
Line chart showing Borrowed ($) for USDC on Ethereum V3 Line chart showing Borrowed ($) for USDC on Ethereum V3
Util chevron down
Line chart showing Util for USDC on Ethereum V3 Line chart showing Util for USDC on Ethereum V3
Supplied chevron down
Line chart showing Supplied for USDC on Ethereum V3 Line chart showing Supplied for USDC on Ethereum V3
Borrowed chevron down
Line chart showing Borrowed for USDC on Ethereum V3 Line chart showing Borrowed for USDC on Ethereum V3
Price ($) chevron down
Line chart showing Price ($) for USDC on Ethereum V3 Line chart showing Price ($) for USDC on Ethereum V3

Average USDC lending rates

Showing the average APRs over historical periods for USDC on Aave V3 Ethereum.

Rate1d7d30d6m1y
Average Supply APR 3.97%3.87%3.54%3.93%3.75%
Average Borrow APR 4.90%4.83%4.67%5.30%5.31%

Daily snapshots

Showing daily snapshots (midnight UTC) for USDC on Aave V3 Ethereum.

Date
Supplied
Supply APR
Borrowed
Borrow APR
Jan 29, 2026 4.50B 4.08% 4.12B 4.97%
Jan 28, 2026 4.52B 4.09% 4.14B 4.97%
Jan 27, 2026 4.46B 4.41% 4.11B 5.31%
Jan 26, 2026 4.42B 3.87% 3.93B 4.83%
Jan 25, 2026 4.34B 3.93% 3.90B 4.87%
Jan 24, 2026 4.34B 3.90% 3.87B 4.85%
Jan 23, 2026 4.36B 3.81% 3.84B 4.79%
Download 90 days CSV PRO Download Entire History CSV Get 4+ years historical data on Aavescan Pro

Monthly snapshots

Showing monthly snapshots with average APRs over the preceding 30 days for USDC on Aave V3 Ethereum.

Date
Supplied
Supply APR 30d
Borrowed
Borrow APR 30d
Jan 01, 2026 4.73B 3.28% 3.78B 4.66%
Dec 01, 2025 4.62B 4.21% 3.69B 5.52%
Nov 01, 2025 5.34B 3.74% 4.18B 5.37%
Oct 01, 2025 5.60B 4.47% 4.42B 5.92%
Sep 01, 2025 6.14B 4.31% 4.87B 5.63%
Aug 01, 2025 3.97B 3.81% 3.51B 5.03%
Jul 01, 2025 2.87B 4.01% 2.39B 5.18%
Jun 01, 2025 2.49B 3.59% 2.11B 4.91%
May 01, 2025 2.43B 2.70% 1.68B 4.41%
Apr 01, 2025 2.74B 2.98% 1.95B 5.29%
Mar 01, 2025 3.01B 4.63% 1.84B 7.59%
Get 4+ years historical data on Aavescan Pro

Liquidity impact

Using the interest rate model to simulate the market rates in the event of a deposit, borrow, repayment or withdrawal.

Showing the immediate impact of deposit events for USDC on Aave V3 Ethereum.

Action Supply APR
Supply APR after the deposit (change from current)
Borrow APR
Borrow APR after the deposit (change from current)
Utilization
Utilization after the deposit
Model
Interest rate curve showing the optimal utilization kink (92%) and the utilization after deposit (circle)
current 4.03% 4.93% 90.76%
$100.0M deposit 3.86% (-0.17%) 4.83% (-0.11%) 88.79%
$250.0M deposit 3.62% (-0.41%) 4.67% (-0.26%) 86.00%
$500.0M deposit 3.27% (-0.76%) 4.44% (-0.49%) 81.71%
$1.00B deposit 2.70% (-1.33%) 4.04% (-0.89%) 74.31%

Showing the immediate impact of borrow events for USDC on Aave V3 Ethereum.

Action Supply APR
Supply APR after the borrow (change from current)
Borrow APR
Borrow APR after the borrow (change from current)
Utilization
Utilization after the borrow
Model
Interest rate curve showing the optimal utilization kink (92%) and the utilization after borrow (circle)
current 4.03% 4.93% 90.76%
$25.0M borrow 4.08% (+0.05%) 4.96% (+0.03%) 91.31%
$50.0M borrow 4.13% (+0.10%) 4.99% (+0.06%) 91.86%
$100.0M borrow 5.20% (+1.17%) 6.21% (+1.28%) 92.97%
$250.0M borrow 8.98% (+4.95%) 10.36% (+5.43%) 96.29%

Showing the immediate impact of repayment events for USDC on Aave V3 Ethereum.

Action Supply APR
Supply APR after the repayment (change from current)
Borrow APR
Borrow APR after the repayment (change from current)
Utilization
Utilization after the repayment
Model
Interest rate curve showing the optimal utilization kink (92%) and the utilization after repayment (circle)
current 4.03% 4.93% 90.76%
$100.0M repayment 3.83% (-0.19%) 4.81% (-0.12%) 88.54%
$250.0M repayment 3.55% (-0.48%) 4.63% (-0.30%) 85.22%
$500.0M repayment 3.11% (-0.92%) 4.33% (-0.60%) 79.69%
$1.00B repayment 2.30% (-1.73%) 3.73% (-1.20%) 68.63%

Showing the immediate impact of withdrawal events for USDC on Aave V3 Ethereum.

Action Supply APR
Supply APR after the withdrawal (change from current)
Borrow APR
Borrow APR after the withdrawal (change from current)
Utilization
Utilization after the withdrawal
Model
Interest rate curve showing the optimal utilization kink (92%) and the utilization after withdrawal (circle)
current 4.03% 4.93% 90.76%
$25.0M withdrawal 4.07% (+0.04%) 4.96% (+0.03%) 91.26%
$50.0M withdrawal 4.12% (+0.09%) 4.99% (+0.06%) 91.77%
$100.0M withdrawal 5.02% (+0.99%) 6.01% (+1.08%) 92.81%
$250.0M withdrawal 8.72% (+4.70%) 10.09% (+5.16%) 96.07%